Home > Bank of Florida - Southwest > Performance and Condition Ratios
Bank of Florida - Southwest, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 5,709 |
| Cost of funding earning assets | 2.5859% | 170 |
| Net interest margin | 2.2580% | 7,620 |
| Noninterest income to average assets | 1.0523% | 1,147 |
| Noninterest expense to average assets | 4.3382% | 687 |
| Loan and lease loss provision to assets | 13.8743% | 9 |
| Net operating income to assets | -15.2581% | 7,922 |
| Return on assets (ROA) | -15.5114% | 7,922 |
| Pretax return on assets | -15.3300% | 7,921 |
| Return on Equity (ROE) | 3,280.9106% | 1 |
| Retained earnings to average equity (ytd only) | 3,280.9106% | 1 |
| Net charge-offs to loans | 14.8682% | 20 |
| Credit loss provision to net charge-offs | 111.2700% | 3,106 |
| Earnings coverage of net charge-offs (x) | -0.0964% | 5,097 |
| Efficiency ratio | 122.2985% | 416 |
| Assets per employee ($millions) | 5.1685% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6621% | 230 |
| Loan loss allowance to noncurrent loans | 31.9460% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 14.2551% | 156 |
| Noncurrent loans to loans | 14.5937% | 197 |
| Net loans and leases to total assets | 78.6149% | 1,035 |
| Net loans and leases to deposits | 89.9876% | 1,905 |
| Net loans and leases to core deposits | 106.8125% | 1,503 |
| Total domestic deposits to total assets | 87.3619% | 2,430 |
| Equity capital to assets | -2.4703% | 7,928 |
| Core capital (leverage) ratio | -2.3561% | 7,929 |
| Tier 1 risk-based capital ratio | -2.9849% | 7,928 |
| Total risk-based capital ratio | -2.9849% | 7,928 |
| Memoranda: | ||
| Average total assets | $650,410,000 | 1,064 |
| Average earning assets | $600,179,500 | 1,044 |
| Average equity | $-3,075,000 | 7,931 |
| Average total loans | $545,459,000 | 860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 5,818 |
| Cost of funding earning assets | 2.7350% | 538 |
| Net interest margin | 2.4284% | 7,487 |
| Noninterest income to average assets | 0.8487% | 2,185 |
| Noninterest expense to average assets | 10.1426% | 99 |
| Loan and lease loss provision to assets | 5.5752% | 142 |
| Net operating income to assets | -13.5149% | 7,994 |
| Return on assets (ROA) | -13.2475% | 7,993 |
| Pretax return on assets | -12.4499% | 7,988 |
| Return on Equity (ROE) | -136.3780% | 7,982 |
| Retained earnings to average equity (ytd only) | -136.3780% | 7,982 |
| Net charge-offs to loans | 5.6274% | 196 |
| Credit loss provision to net charge-offs | 119.4942% | 4,490 |
| Earnings coverage of net charge-offs (x) | -1.5308% | 6,963 |
| Efficiency ratio | 104.1169% | 951 |
| Assets per employee ($millions) | 5.1963% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9743% | 369 |
| Loan loss allowance to noncurrent loans | 27.1802% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 14.5321% | 150 |
| Noncurrent loans to loans | 14.6220% | 186 |
| Net loans and leases to total assets | 81.8408% | 709 |
| Net loans and leases to deposits | 97.6339% | 1,141 |
| Net loans and leases to core deposits | 126.1872% | 1,499 |
| Total domestic deposits to total assets | 83.8242% | 4,117 |
| Equity capital to assets | 1.4671% | 7,977 |
| Core capital (leverage) ratio | 1.2361% | 7,979 |
| Tier 1 risk-based capital ratio | 1.4927% | 7,980 |
| Total risk-based capital ratio | 2.9853% | 7,976 |
| Memoranda: | ||
| Average total assets | $722,899,600 | 940 |
| Average earning assets | $640,596,600 | 973 |
| Average equity | $70,221,000 | 928 |
| Average total loans | $599,348,000 | 787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 5,814 |
| Cost of funding earning assets | 2.7194% | 744 |
| Net interest margin | 2.4963% | 7,470 |
| Noninterest income to average assets | 0.8255% | 2,311 |
| Noninterest expense to average assets | 12.1533% | 83 |
| Loan and lease loss provision to assets | 4.1370% | 280 |
| Net operating income to assets | -11.7454% | 8,056 |
| Return on assets (ROA) | -11.6185% | 8,056 |
| Pretax return on assets | -13.1293% | 8,068 |
| Return on Equity (ROE) | -100.5430% | 8,014 |
| Retained earnings to average equity (ytd only) | -100.5430% | 8,010 |
| Net charge-offs to loans | 3.7304% | 389 |
| Credit loss provision to net charge-offs | 134.6039% | 3,695 |
| Earnings coverage of net charge-offs (x) | -2.9727% | 6,805 |
| Efficiency ratio | 99.5333% | 1,082 |
| Assets per employee ($millions) | 5.5805% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6418% | 374 |
| Loan loss allowance to noncurrent loans | 24.6659% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 13.8027% | 154 |
| Noncurrent loans to loans | 14.7643% | 150 |
| Net loans and leases to total assets | 81.5441% | 888 |
| Net loans and leases to deposits | 101.0757% | 1,006 |
| Net loans and leases to core deposits | 129.6834% | 1,452 |
| Total domestic deposits to total assets | 80.6762% | 5,194 |
| Equity capital to assets | 5.5859% | 7,909 |
| Core capital (leverage) ratio | 4.3976% | 7,957 |
| Tier 1 risk-based capital ratio | 5.4612% | 7,979 |
| Total risk-based capital ratio | 8.4265% | 7,880 |
| Memoranda: | ||
| Average total assets | $738,643,000 | 930 |
| Average earning assets | $648,406,500 | 973 |
| Average equity | $85,355,750 | 757 |
| Average total loans | $608,574,500 | 789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 5,649 |
| Cost of funding earning assets | 2.7403% | 930 |
| Net interest margin | 2.5625% | 7,400 |
| Noninterest income to average assets | 0.9298% | 1,843 |
| Noninterest expense to average assets | 3.0362% | 3,941 |
| Loan and lease loss provision to assets | 2.0507% | 786 |
| Net operating income to assets | -1.2073% | 7,114 |
| Return on assets (ROA) | -1.1017% | 7,052 |
| Pretax return on assets | -1.7725% | 7,207 |
| Return on Equity (ROE) | -8.2093% | 6,906 |
| Retained earnings to average equity (ytd only) | -8.2093% | 6,692 |
| Net charge-offs to loans | 3.0211% | 542 |
| Credit loss provision to net charge-offs | 83.0904% | 5,120 |
| Earnings coverage of net charge-offs (x) | 0.0459% | 5,631 |
| Efficiency ratio | 95.5915% | 1,407 |
| Assets per employee ($millions) | 5.5571% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,061 |
| Loan loss allowance to noncurrent loans | 16.8556% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 12.2437% | 172 |
| Noncurrent loans to loans | 13.8691% | 161 |
| Net loans and leases to total assets | 79.7332% | 1,355 |
| Net loans and leases to deposits | 109.1145% | 599 |
| Net loans and leases to core deposits | 141.6263% | 946 |
| Total domestic deposits to total assets | 73.0730% | 7,101 |
| Equity capital to assets | 13.3281% | 1,548 |
| Core capital (leverage) ratio | 6.4848% | 7,802 |
| Tier 1 risk-based capital ratio | 7.3539% | 7,974 |
| Total risk-based capital ratio | 10.2459% | 7,717 |
| Memoranda: | ||
| Average total assets | $750,475,670 | 934 |
| Average earning assets | $650,068,330 | 983 |
| Average equity | $100,715,330 | 668 |
| Average total loans | $613,085,000 | 802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 5,936 |
| Cost of funding earning assets | 2.7961% | 996 |
| Net interest margin | 2.4941% | 7,509 |
| Noninterest income to average assets | 0.8458% | 2,098 |
| Noninterest expense to average assets | 2.7938% | 4,579 |
| Loan and lease loss provision to assets | 1.6693% | 745 |
| Net operating income to assets | -0.9010% | 7,195 |
| Return on assets (ROA) | -0.9010% | 7,222 |
| Pretax return on assets | -1.4516% | 7,347 |
| Return on Equity (ROE) | -6.6910% | 7,120 |
| Retained earnings to average equity (ytd only) | -6.6910% | 6,758 |
| Net charge-offs to loans | 4.1010% | 292 |
| Credit loss provision to net charge-offs | 49.8099% | 4,693 |
| Earnings coverage of net charge-offs (x) | 0.0650% | 4,926 |
| Efficiency ratio | 91.9076% | 1,573 |
| Assets per employee ($millions) | 5.3873% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 1,360 |
| Loan loss allowance to noncurrent loans | 17.3321% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 10.1840% | 217 |
| Noncurrent loans to loans | 11.6972% | 187 |
| Net loans and leases to total assets | 80.2228% | 1,338 |
| Net loans and leases to deposits | 119.6115% | 298 |
| Net loans and leases to core deposits | 157.8487% | 528 |
| Total domestic deposits to total assets | 67.0695% | 7,665 |
| Equity capital to assets | 13.3310% | 1,598 |
| Core capital (leverage) ratio | 6.5221% | 7,869 |
| Tier 1 risk-based capital ratio | 7.3096% | 8,073 |
| Total risk-based capital ratio | 10.1715% | 7,873 |
| Memoranda: | ||
| Average total assets | $753,390,500 | 928 |
| Average earning assets | $654,189,500 | 984 |
| Average equity | $101,449,500 | 664 |
| Average total loans | $615,656,500 | 801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3801% | 3,526 |
| Cost of funding earning assets | 3.2903% | 953 |
| Net interest margin | 3.0898% | 6,678 |
| Noninterest income to average assets | 0.8105% | 2,455 |
| Noninterest expense to average assets | 3.0022% | 4,074 |
| Loan and lease loss provision to assets | 2.1126% | 551 |
| Net operating income to assets | -1.0088% | 7,257 |
| Return on assets (ROA) | -1.0088% | 7,176 |
| Pretax return on assets | -1.6269% | 7,307 |
| Return on Equity (ROE) | -6.8347% | 7,031 |
| Retained earnings to average equity (ytd only) | -6.8347% | 6,762 |
| Net charge-offs to loans | 1.3124% | 907 |
| Credit loss provision to net charge-offs | 199.7111% | 2,447 |
| Earnings coverage of net charge-offs (x) | 0.4592% | 5,959 |
| Efficiency ratio | 85.1822% | 1,935 |
| Assets per employee ($millions) | 5.4940% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5894% | 619 |
| Loan loss allowance to noncurrent loans | 40.1057% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 5.8930% | 519 |
| Noncurrent loans to loans | 6.4565% | 495 |
| Net loans and leases to total assets | 79.4389% | 1,793 |
| Net loans and leases to deposits | 109.8912% | 840 |
| Net loans and leases to core deposits | 139.2813% | 1,303 |
| Total domestic deposits to total assets | 72.2887% | 6,946 |
| Equity capital to assets | 13.6026% | 1,569 |
| Core capital (leverage) ratio | 6.6113% | 7,896 |
| Tier 1 risk-based capital ratio | 7.4622% | 8,136 |
| Total risk-based capital ratio | 10.3541% | 7,673 |
| Memoranda: | ||
| Average total assets | $719,764,600 | 926 |
| Average earning assets | $623,687,600 | 971 |
| Average equity | $106,238,000 | 636 |
| Average total loans | $580,167,400 | 824 |